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Are your working days coming to an end? Is the retirement close for you but you don’t feel like you are prepared?

Saving for retirement is a long process that requires dedication and careful planning. The research shows that increasing numbers of people are unprepared financially for their retirement days. But there are things you can do that will guarantee financial security even in your retirement.

Here are some of the best ways to be prepared that guarantee secure financial status.

Start saving as soon as possible.

It is logical that starting to save in early age is the best move to make, if you didn’t already start now. Figure a way to keep your daily and monthly expenses away from your pre-retirement fund. Even if you can allow yourself to save 100 dollars per month, it is better than nothing. After a while, when you accumulate some decent amount, putting your money at an interest rate in a bank is a smart way to increase that fund.

When you save subtract the tax from that amount. Being prepared for tax in the retirement days will leave you with the full amount intended for your retirement. Imagine that you saved what you consider a decent amount of money, and you get your retirement. There are still taxes to be paid. This will decrease your stash on a monthly basis at a rate you won’t even notice.

Another way to be financially secured in those retirement days is to invest in real estate.

Real estate investments, stay to this day, a solid and reliable way to increase your income. Pay a visit to your bank and choose the right credit offer that is affordable for your monthly income. Buying already built or investing in realty project plan will get you that secure amount of money for your retirement days. You can keep track of neighborhood realty prices and chose the right time to sell it or you can rent the place as an office for smaller companies or linguistic schools. If you choose to rent the place, you should start as soon as you get your move-in papers ready. Saving every month with this steady income will be easy. Don’t forget to separate tax money for each month of your income, remember that when you retire, you will have a tax free savings this way.

Last but not the least is trying your skills as a broker – this is a great choice for people at the end of their career.

It can be challenging to figure out how the system works at first, but keeping track of stock market is the only thing that makes you a successful broker. The principle is simple, find companies that are about to collapse financially and buy their stocks before they file bankruptcy. When they recover or some bigger company decides to buy them, you can let them buy back their share of stocks at increased price. Another way is to keep track of the rising companies and buy their shares while they are low costing in the market. After they succeed in developing and as they are becoming bigger, previously bought stocks increase value as well, in the end, you can either let the company buy back their share of stocks or sell them.

Short selling is a risky, but very effective if done correctly, to profit from declining stock prices. Basically, it is a bet against a stock or company. When you buy a stock, you expect the price to go up in order to get money by selling it afterward. On the other hand, when you short a stock you expect the price to go down. There are some online articles that you can find for Oahu, Hawaii real estate agentthat had some great breakthroughs in financial security, you can find some advice on her Facebook page //http://facebook.com/AnneHoganPerry. Concerning the stocks, shorting a stock is the inverse of buying a stock, which is often referred as “going long” in broker terminology.

So for example, if you hear that some particular company is in financial trouble. You expect their stock price to go down in order to profit from it. Calling your broker on time, before the word spreads is essential. So as soon as you hear that financial troubles situation, call your broker to short 1 share of that company. The broker now needs to find one share to land a job, he can look at few different places including his stock inventory and his client’s portfolios. He can also ask other brokers. After finding and selling the share on the market you gain profit adding money to your brokerage account. You will also have to pay a small fee for the right to borrow the stock.

Short selling is for advanced traders because they can be extremely risky if the financial situation of that company changes.

Another thing to pay attention when short stocking is to initiate a short position after the stock has fallen at least 50 percent from a previous high. This way you take out the risk of being in a short squeeze.

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So as you notice that certain stocks are freefalling that is the time to initiate your short investment, then all you have to do is hold them for 2-3 years until the company files bankruptcy. Investing in long that wall street doesn’t write research on is the best move to make. So basically targeting small, off the radar companies, that don’t have a lot of chances to succeed is the best way to go with short stocking.

It is logical that bigger companies will get out of a financial problem with less difficulties than some other smaller ones. Bigger companies stocks are worth more of course, but short moving on them is high to risky and is not recommendable for a couple of reasons.

They have higher chances to recover from financial downfall crisis, so there is no guarantee that you can earn on them. Also, it takes time, in some cases 3-4 years, for them to file bankruptcy in order for you to profit from them. So stick to smaller companies that are a safe bet, even though their stocks value less. They also take less time to go down filing a bankruptcy in the end.